What is gadget insurance?
We frequently carry items such as Mobile Phones, smart phones, digital cameras, Tablets and laptops around with us during the day however it is only when something happens we realise the value of protecting these items. Gadget Insurance is a new cost effective way to protect our most valuable and important every day gadgets that we would be lost without.
What is covered under the policy?
This policy covers the cost in replacing or repairing products as a result of Accidental Damage, Liquid Damage and Breakdown (excludes laptops and computers).
We also offer optional extra's such as:
- Theft Cover;
- Accidental Loss Cover for Mobile Phones (which includes fraudulent call use), Smart Watches, Tablets and iPad’s.
All of which are available upon payment of an additional premium.
Please refer to the gadget insurance policy document for the full terms and conditions.
Am I covered outside of the UK?
The policy provides worldwide cover for up to 90 days in any 12 month period so your items are covered wherever in the world you take them. Please refer to the Policy Document for more details.
What products does this gadget insurance policy cover?
Eligible products are camcorders, Mobile /Smart Phones, iPhones, IPods/MP3 players, iPads / Tablets, Sat Nav systems, Laptops, Digital Cameras, Hand-Held Games Consoles, Hair Straighteners, Digital SLR lenses, E-book readers and Headphones.
Am I covered straight away?
This policy does not cover any claim made, or any event causing the need for a claim to be made, that occurs within the first 14 days of the start date of the policy or the first 14 days of any amendment to the policy.
How do I add items or make a change to my policy?
To add items or make a change you can contact us at firstname.lastname@example.org or by telephone on 0333 355 0252.
Can I add Theft Cover to my policy at a later date?
You can add Theft Cover to your policy at a later date. The policy does not cover any claim within the first 14 days from the date you add the Theft Cover on. This can be done by contacting us at email@example.com or by telephone on 0333 355 0252.
Can I add Accidental Loss Cover to my Mobile Phone, Smart Watch, Tablet or iPad at a later date?
If you have opted to include Theft Cover as above, you can also add Accidental Loss Cover to your Mobile Phone, Smart Watch, Tablet or iPad at a later date. The policy does not cover any claim within the first 14 days from the date you add the Accidental Loss Cover on. This can be done by contacting us at firstname.lastname@example.org or by telephone on 0333 355 0252.
Is Accidental Loss Cover available for other gadgets as well?
No not currently, Loss Cover is only offered on Mobile Phones, Smart Watches, Tablets and iPads.
What does Accidental Loss Cover include?
If you selected the option to pay an additional premium and cover your Mobile Phone, Smart Watch, Tablet or iPad for Accidental Loss, then if you lose your Mobile Phone, Smart Watch, Tablet or iPad we will replace it. This cover is only operative if shown on your validation certificate and the additional premium has been paid.
You will also be covered for fraudulent call use if you selected the option to insure your mobile phone for accidental loss; then if your mobile phone is lost or stolen and your claim accepted, upon receipt of your itemized bill we will reimburse fraudulent call costs up to the value of £1500.
What are the main exclusions?
You must be over 18 to purchase this policy.
You cannot make a claim in the first 14 days after purchasing this policy nor can you make a claim in the first 14 days of adding any new or changed gadget.
The gadget has to be less than 12 months old and must have been purchased as new in the UK, Republic of Ireland or from the US.
No cover is provided for wear and tear/gradual deterioration.
Please refer to the policy document for the full details of policy exclusions.
How do I claim?
To make a claim on this policy you will need to contact our Claims Administrators.
Please see full information for the claims procedure on our Make a Claim page.
Is there an excess?
Yes, an excess applies. This must be paid in full before your claim can be approved. Please refer to Claims Procedure in the Policy Document.
What is the claims procedure?
You must notify Claims Administrators (for contact details please refer to Make a Claim page) as soon as possible but in any event within 48 hours of any incident likely to give rise to a claim under the insurance.
You must report the theft or accidental loss of any Mobile Phone, within 24 hours of discovery to your Network Provider and blacklist your handset.
You must report the theft or accidental loss of any electronic gadgets to the Police within 48 hours of discovery and obtain a crime reference number in support of a theft claim and a lost property number in support of an accidental loss claim.
What documentation do I need to make a claim?
In the event of a claim you will need to provide evidence of ownership for all items you are claiming for.
Evidence of ownership means a document to evidence that the gadget you are claiming for belongs to you. This can be a copy of the till receipt, delivery note, gift receipt or, if the gadget is a mobile phone, confirmation from your network provider that the mobile phone has been used by you.
Who is the policy arranged and underwritten by?
This insurance is arranged and administered by Blue Insurance Limited, and underwritten by UK General Insurance Limited on behalf: Great Lakes Reinsurance SE, Great Lakes Insurance SE is a German insurance company with its headquarters at Koniginstrasse 107, 80802 Munich and UK Branch Office: Plantation Place, 30 Fenchurch Street, London EC3M 3AJ.
Blue Insurance Limited is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request.
UK General Insurance Limited are authorised and regulated by the Financial Conduct Authority. Great Lakes Reinsurance SE is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. This can be checked on the Financial Services Register at www.fca.org.uk/firms/financial-services-register or by contacting them on 0800 111 6768.
Does the replacement cover work on a new for old basis?
This policy offers replacement only and is not a replacement as new policy. If the electronic gadgets cannot be replaced with identical electronic gadgets of the same age, colour and condition, we will replace it with one of comparable specification or the equivalent value taking into account the age and condition of the original electronic gadgets. In the event of a valid claim resulting in the replacement of the electronic gadgets, this policy will automatically cover the replacement gadget.
Can I cancel a policy I have bought?
It’s your right to change your mind. You may cancel the insurance, without giving reason, by sending us written notice and returning the insurance documents within 14 days of it starting or (if later) within 14 days of you receiving the insurance documents.
Cancellation after the 14 day period
For monthly policies you may cancel your insurance by contacting us at email@example.com or by telephone on 0333 355 0252 allowing one months notice.
For annual policies you may cancel your insurance at any time however an administration fee shall be due equal to 25% of the annual premium with a minimum fee applying of £10.
For full details please refer to your Policy Document.
What charges do I incur when buying a policy?
We do not charge any additional fee’s in the supply of your policy.
Can I take out cover for my work phone?
No, there is no cover for products which are not owned by you, for example those given to you by your employer for work, or those lent to you by a friend. Corporate Insurance will be available very soon on the website.
Can we cover a child's (under 18) gadget on their parents policy?
Yes, provided they all reside at the same address.
Can I insure a gadget I bought from my friend?
We do not offer cover for second hand phones.
Can I insure a gadget I bought from eBay?
If you have evidence of ownership as defined below then you can insure the gadget. However without this, unfortunately the gadget will not qualify for cover. Evidence of ownership means a document to evidence that the gadget you are claiming for belongs to you. This can be a copy of the till receipt, delivery note, gift receipt or, if the gadget is a mobile phone, confirmation from your network provider that the mobile phone has been used by you.
Can I insure my gadget if I do not have evidence of ownership?
When you make a claim, it will be necessary for you to submit evidence of ownership for the insured gadget. If the gadget is a mobile phone and was purchased/received in conjunction with a network provider’s contract, your network provider will be able to provide you with evidence of ownership.
Can I insure a gadget I received as a gift?
Yes, you can insure this gadget provided you have a gift receipt in your own name.
How many times can I claim on my policy in 12 month period?
We offer unlimited repair and replacements on your gadgets.